Date Received: 2021-07-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.
Company Response:
State: CA
Zip: 95687
Submitted Via: Web
Date Sent: 2021-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX Resurgent Capital Services located in XXXX, south SC started garnishing wages started at {$100.00} now {$170.00}. on Fraudlent debit card charges.he have proof from the bank he have not open this credit card. XXXX law firm is also involved in this scam. they are scammers preying on consumers they need to be stopped
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-20
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: CACH , LLC XXXX XXXXXXXX XXXX XXXX, SC XXXX failed to verify the debt prior to reporting the debt to CRA 's. Disputed account information continues remains on CRA 's consumer credit profile.
Company Response:
State: MD
Zip: 20902
Submitted Via: Web
Date Sent: 2021-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-20
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I would like to file a formal complaint against LVNV FUNDING LLC for failing to provide accurate legal debt validation within the allowed 30 day time frame under FCRA. In XX/XX/2021, I sent a debt validation letter via certified mail which was signed for by XXXX XXXX to LVNV FUNDING LLC. LVNV funding LLC sent back a nearly blank letter from a totally different company by the name of Resurgent Capital Services. On the front page of the letter, there was one address and on the second page of the letter there was another address the letter stated was mines. There was no break down off fees like requested, no signed documentation. LVNV did not provide any documents to prove I owe this debt or provide legal debt validation under FCRA rules and regulations however they continue to report this account.
Company Response:
State: FL
Zip: 32812
Submitted Via: Web
Date Sent: 2021-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-20
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: The debt collector hasn't provided proof that the alleged debt belongs to me. This company hasn't sent me anything to give me the right to dispute this alleged account. debt was sold from the original creditor after proving that this alleged debt isnt mine due to the companys insufficient proof and a copy of a printout bill isnt proof. This is affecting my ability to get a new home. I don't know why I'm being treated like this.
Company Response:
State: FL
Zip: 32216
Submitted Via: Web
Date Sent: 2021-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-20
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.
Company Response:
State: AZ
Zip: 85035
Submitted Via: Web
Date Sent: 2021-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Company Response:
State: OH
Zip: 43219
Submitted Via: Web
Date Sent: 2021-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-19
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: in XXXX i had a XXXX XXXX visa card they sent it to me with a {$300.00}. credit limit then i got a bill for $ XXXX.they charged me {$240.00}. in fees which left me with a {$60.00} credit limit i never used the card. here it is now XXXX and i get a rude email from resurgent capital services saying they just purchased my old account in XXXX and now i owe them $ XXXX.in fees and to add them to my email account cause they will be contacting me constantly until i pay them. this account is over 11 yrs old every yr i pull my free credit report and has been since XXXX i have my credit report from XXXX it is on the report can you please stop them from re-aging this 11yr old debt and putting it on my credit report i know what they are doing is illegal I had contacted them but they say they just bought it last yr i am disabled and on a fixed income due to a injury i had to file bankruptcy to keep my home which im currently in i don't need this 11 yr old debt showing up on my credit report the account is XXXX reference code XXXX and i don't need them calling me and emailing me or putting this old acct on my credit for 7 more yrs that would be a total of 18 yrs about this 11 yr old account i know the statue of limitations is 7 yrs please help me thank you XXXX XXXX
Company Response:
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Company keep reporting inaccurate information. I have disputed numerous of times for fraudulent activity on my credit report. I have tried to dispute items company refuses to dispute account again for fraud. Lvn funding has never gotten a copy of my identification card or signature for an account with them. XXXX XXXX XXXX is the credit card company reporting I been told them that was identity theft account. XXXX XXXX is paid off and closed out over seven years still reports the same. I have inquires that are fraudulent as well.
Company Response:
State: FL
Zip: 32209
Submitted Via: Web
Date Sent: 2021-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-18
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: LVNV Funding LLC at XXXXXXXX XXXX XXXXXXXX XXXX, SC. XXXX has been sending me collection notices in the amount of {$700.00}. The collection has been reported as past due. I do not know this company. I have never done business with this company. This company does not have a contact with my signature.
Company Response:
State: GA
Zip: 30813
Submitted Via: Web
Date Sent: 2021-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A